Protecting your future

Meet Tami and Christian

Roberts

and their three girls… Megan, Abby and Brooklyn.

They worked hard for several years saving for the down payment.

Tami and Christian

bought this house in

Idaho Falls seven years

ago.

Christian works as a Supervisor for the INL and Tami works as a waitress near Snake River Landing.

Christian drives a 2001 Chevy Silverado and Tami drives a 2011 Nissan Maxima.

TAMI AND CHRISTIAN CURRENTLY CARRY IDAHO’S MANDATORY LIABILITY LIMITS

OF 25 /50 /25 ON EACH OF THEIR VEHICLES

THEY ALSO HAVE COMPREHENSIVE AND COLLISION COVERAGE

They believe they are well protected

THE FIRST TWO SETS OF NUMBERS “25/50” ARE REFERRING TO THE COVERAGE LIMITS

AVAILABLE WHEN YOU ARE LIABLE FOR CAUSING SOMEONE BODILY INJURY.

THE LAST SET OF NUMBERS “25” REFER TO THE COVERAGE LIMITS AVAILABLE WHEN YOU ARE LIABLE FOR CAUSING

DAMAGE TO SOMEONE ELSE’S PROPERTY.

25/50/25 - BIPDWhat does that mean?

Bodily Injury 25/50 Property Damage 25

In the event of an accident, their auto policy will pay up to $25,000 dollars for each person injured and will pay a maximum of

$50,000 dollars per accident.

In the event of an accident, their auto policy will pay up to $25,000 dollars for

damage caused to the property of others.

Here’s how it works

Bodily Injury How will her policy pay?

Lets assume that Tami is on her way to work when she

collides with an SUV carrying five passengers.

Bill’s injuries = $20,000Edna’s injuries = $28,000Carrie’s injuries = $18,000Gene’s injuries = $15,000Susan’s injuries = $31,000

Tami’s policy will pay $20,000 for Bill’s injuries, $25,000 for Edna’s injuries

and $5,000 for Carrie’s Injuries; a total of $50,000

dollars as listed in her policy.

Personal Risk

Unfortunately, Tami will be responsible for paying what her policy does not cover; $3,000

dollars for Edna, $13,000 for Carrie, $15,000 for Gene and $31,000 for Susan. A total of $62,000

dollars.

What about the others?

What about the SUV?

The SUV carrying the five injured

passengers was a total loss; A 2009 Cadillac Escalade worth $50,000.

Tami’s Property Damage limits will

pay $25,000 for the loss, as

described in her policy.

Tami will be responsible for paying what her policy does not cover… $25,000

dollars.

Obligation for Bodily Injury

Obligation for Property Damage

The amount of money Tami and Christian

must pay for injuries not covered

by their policy is:$62,000 dollars

The amount of money Tami and Christian

must pay for Property Damage

not covered by their policy is:

$25,000 dollars

$87,000 Dollars

THEY MAY BE FORCED TO CASH IN THEIR

INDIVIDUAL RETIREMENT ACCOUNTS.

THEY MAY BE FORCED TO WITHDRAW THE SAVINGS PUT AWAY FOR MEGAN, ABBY

AND BROOKLYN'S EDUCATION.

THEIR PROPERTY MAY BE SEIZED AND SOLD AT AUCTION.

25% OF THEIR WAGES MAY BE GARNISHED EACH MONTH UNTIL THE JUDGMENT IS

PAID.

How will they pay these obligations?

THAT’S WHY THEY ARE

CALLED ACCIDENTS.

She never thought this could happen to her.

YES!

Is there anything Tami could have done to protect herself?

Bodily Injury – 500/500 Property Damage - 500

If Tami carried liability limits of 500/500/500 on her

policy, here’s what would have happened in that

same accident:

$20,000 for Bill is paid.$28,000 for Edna is paid.$18,000 for Carrie is paid.$15,000 for Gene is paid.$31,000 for Susan is paid.

With Property Damage limits of $500,000, Tami’s

insurance company will pay the entire $50,000 of

the property damage costs for the 2009 Cadillac

Escalade.

500/500/500BIPD

THE CHILDREN’S EDUCATION FUNDS ARE PROTECTED

TAMI AND CHRISTIAN’S RETIREMENT

ACCOUNTS ARE PROTECTED

THEIR PROPERTY AND REAL ESTATE IS PROTECTED

THEIR FUTURE EARNINGS ARE PROTECTED

The Roberts family is now protected.

Do you have the kind of

protection you need?

Contact Farmers Insurance Agent

Will Davis

208-534-7078

“Let me help you protect the things that

matter most to you.”

Don’t be forced to sacrifice your future. Call 208-534-7078 and let me help protect you and your family.